How will Rheumatoid Arthritis affect a critical illness and life insurance application?

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 

Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Our process

When a client has a pre-existing condition, or has suffered a serious illness in the past, the first thing we do is pick up the phone. We speak to underwriters at many of the UK’s leading Insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By completing our research thoroughly, we are able to avoid wasting time and obtain the best terms possible for our clients.


Our Client

Mr M found us via our website as a result of shopping around for income protection. His existing insurance provider was not able to offer him this type of cover. In January 2019, he was diagnosed as suffering from Rheumatoid Arthritis. The diagnosis of this condition was a surprise and our client saw this as an opportunity to review the cover he already had in place to protect his financial world.

Once we looked into his health condition, it became apparent that all providers would decline him for income protection owing to his Arthritis, so we agreed to look into the possibility of critical illness cover as the next best alternative for him. Critical illness cover includes total permanent disability (TPD). This part of the policy pays out a lump sum if you are permanently disabled or incapacitated and unable to work for the rest of your life. Our client decided to go ahead and look at both life cover and critical illness insurance.

What is Rheumatoid Arthritis?

Rheumatoid arthritis is a long-term condition that causes pain, swelling and stiffness in the joints. The symptoms usually affect the hands, feet and wrists.

There may be periods where symptoms become worse, known as flare-ups or flares. A flare can be difficult to predict, but with treatment it’s possible to decrease the number of flares and minimise or prevent long-term damage to the joints.

The Outcome

Each Insurance Provider has their own underwriting guidelines and we contacted them all to find the best solution.

Following pre-sales research, various insurers came back to us showing increases in his standard quoted premiums of between 50%, 75% and 100% due to his Arthritis. Some would even decline his application altogether.

However, one company stood out, offering him the best terms including a premium increase of only 50%. They would accept him immediately without any further medical information from either the client or his GP.

This company also offered a much more comprehensive level of critical illness cover, including a wider number of medical conditions included under their plan.

The final monthly premium based on a sum assured of £80,000 was £33.52 and was ranked top of our CI Expert analysis software. CI Expert provides a detailed critical illness product ranking system based on statistics to help advisers match policies to individual needs.

Our client is delighted with the result as this has given him additional peace of mind that he is adequately covered. He has asked us to review his wife’s options with regards to her protection needs.

Please note that the premiums provided are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

Interested in related stories?

Next steps

Whilst you are welcome to get a quote online we would recommend you talk to one of our advisers.

Any quote that your adviser provides you with will take into account to your circumstances, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.


Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer with a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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Client ref. 139101824

For more information on the medical conditions mentioned in this case study please click below:

NHS Choices

National Rheumatoid Arthritis Society

Links to third party websites exist for information only and we accept no responsibility or liability for the information contained on any such sites. The existence of a link to another website does not imply or express endorsement of its provider, products or services by us or St. James’s Place.

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